Winter Haven, FL Contractor License Bond

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Who needs a contractor license bond in Winter Haven?

The City of Winter Haven, Florida, requires a $10,000 contractor license bond for contractors operating in the city. If you have questions about this bond or other licensing requirements, you can contact the Winter Haven Building Permits and Licenses department. They have an online portal where you can access permit and inspection information and can be reached directly in person or over the phone:

  • Building Division
  • 490 Third Street NW
  • Winter Haven, FL 33881
  • Phone: (863) 291-5695
  • Fax: (863) 298-7856 

The Winter Haven bonding requirement is in addition to the statewide Florida bonding mandate, which holds that all construction contractors with a credit score of 660 or lower must have a license bond.

Get Your Winter Haven Contractor License Bond:

How does a contractor license bond work?

The City of Winter Haven (obligee) sets the contractor license bond terms. The bond is a safeguard for clients, ensuring the contractor (principal) adheres to applicable city and state laws while performing work in the city.  

If the contractor breaks any part of the bond agreement, the surety company will initially cover any damages to other parties. These parties may include the city, state, or individual clients. The contractor is ultimately responsible for paying the surety back for any covered claims, up to the full bond amount ($10,000).  

To obtain your surety bond, you will pay a premium – a small percentage of the bond value. ZipBonds can issue contractor license bonds quickly, at a typical premium rate of $100.

Frequently Asked Questions

This contractor bond lasts one year and then must be renewed. Ensure your license and bond stay active to remain in good standing with the city.

You may obtain this bond even with poor credit in most cases. The underwriting process for contractor license bonds is simple, and we don’t need to pull credit information before issuing them.

Apply for Your Contractor Bond in Winter Haven, FL

ZipBonds offers the fastest and most secure option for getting bonded. Our all-digital platform is intuitive and straightforward. Apply online, email or call 888.435.4191 to speak with an agent directly.



Founders Ryan Swalve and Zach Mefferd formed the vision for when they realized how overly complicated it was to help clients place surety. The frustration of being unable to incorporate the technology they’d used in other insurance-focused projects left them thinking “there has to be a better way.”

Fast forward a couple of years, and that better way is the impetus of everything we do at ZipBonds. We constantly look for innovative ways to improve the bonding process for our clients and agents. Our team comprises individuals who understand all angles of surety – for companies, agencies, and individuals. Incorporating everyone’s point of view to improve the process while simultaneously integrating cutting-edge technology is what sets our business apart.